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I applied ED with high (albeit middle-class) financial need and received a package that exceeded my family's expectations. If you have an uncomplicated financial situation--stable W2 salaries, one home, no significant investments or non-retirement savings, no stepparents or non-custodial issues, etc.--and Swat is your first choice, PLEASE don't hesitate to apply ED. If the package is unworkable, you do have a last-resort out, although you can't compare packages with other schools (which doesn't matter if you can't afford it, period).
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